UNIB (University Bancorp) 3-Month Share Buyback Ratio: 0.00% (As of Dec. 2025 )

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UNIB University Bancorp Inc UNIB
60 GF Score
Price $22.75
GF Value $17.87
Valuation Modestly Overvalued
! 6 Warning Signs
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What is University Bancorp 3-Month Share Buyback Ratio?

University Bancorp UNIB +2.25% 60 3-Month Share Buyback Ratio is 0.00 as of Dec. 2025. GuruFocus rates UNIB with a GF Score™ of 60/100 and a GF Value™ of $17.87 (Modestly Overvalued). The stock has 6 warning signs investors should review.

3-Month Share Buyback Ratio only apply to companies whose reporting frequency is 3 months.

UNIB
60GF Score
University Bancorp Inc UNIB
3-Month Share Buyback Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a 3-Month Share Buyback Ratio of 0.00 mean?
University Bancorp (UNIB) has a 3-Month Share Buyback Ratio of 0.00 as of Dec. 2025. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for University Bancorp and its competitors.
Is University Bancorp's 3-Month Share Buyback Ratio too high?
University Bancorp's current 3-Month Share Buyback Ratio is 0.00. Overall, University Bancorp has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does University Bancorp's 3-Month Share Buyback Ratio compare to UNB and FNWB?
University Bancorp's 3-Month Share Buyback Ratio of 0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Month Share Buyback Ratio for a Banks company?
A good 3-Month Share Buyback Ratio depends on the Banks industry context. However, 3-Month Share Buyback Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Month Share Buyback Ratio mean?
A high 3-Month Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for University Bancorp and its competitors. University Bancorp's current 3-Month Share Buyback Ratio is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is University Bancorp stock overvalued right now?
Based on GuruFocus' analysis, University Bancorp (UNIB) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.87, compared to a current price of $22.75 — trading 27.3% above its estimated fair value. The current 3-Month Share Buyback Ratio is 0.00. University Bancorp's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Month Share Buyback Ratio calculated?
3-Month Share Buyback Ratio is calculated from a company's financial statements. For University Bancorp (UNIB), the current 3-Month Share Buyback Ratio is 0.00 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is University Bancorp (UNIB) Overvalued in 2026?

Based on GuruFocus' analysis, University Bancorp stock appears to be overvalued. The current stock price of $22.75 is trading 27.3% above its estimated GF Value™ of $17.87. GuruFocus considers University Bancorp to be Modestly Overvalued.

Key valuation signals for UNIB:

  • 3-Month Share Buyback Ratio: 0.00
  • GF Value™: $17.87 vs. price of $22.75 (27.3% above fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the UNIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

University Bancorp Business Description

Address 2015 Washtenaw Avenue, Ann Arbor, MI, USA, 48104
University Bancorp Inc is a holding company. It is a full-service community bank that offers all customary banking services, including the acceptance of checking, savings, and time deposits. The bank also makes commercial, real estate, personal, home improvement, automotive, and another installment, credit card, and consumer loans, and provides fee-based services such as foreign currency exchange. The company's customer base is located in the Ann Arbor, Michigan metropolitan statistical area.
60GF Score

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3-Month Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.75
Price
$17.87
GF Value